So if the housing market heating up and the jobless rate cooling off weren’t enough to get excited about, a new report Tuesday shows credit card delinquencies hit the lowest level in 18 years.

Yippee.

Bank card delinquencies dropped to 2.47 percent of all accounts, says the American Bankers Association. That’s down from 2.75 percent last quarter and way below the 15-year average of 3.87 percent.

In fact, the delinquency level from the fourth quarter is the lowest at any time since 1994. It hit an all-time high of 5.01 percent in 2009, but has been in steady decline since.

Delinquencies are defined as a payment late at least 30 days.

ABA says it’s consumers knowing how to manage their finances better, a lesson-learned from the horror that was the economic meltdown since 2007-ish.

“Consumers continue to carefully manage their finances in an effort to get debt levels under control and build up a secure financial base,” said James Chessen, ABA’s chief economist. “While this conservative approach to credit may slow economic growth in the short-term, it portends stronger, more consistent growth in the future.”

Of several closed-end loan categories ABA tracks, delinquencies in indirect auto loans — a third party who buys the loan from its originator — dropped most, from 2.08 percent to 1.85 percent. Unchanged were RV loan delinquencies — the only category to show no improvement.

“This seems to be a trend among consumers in all areas of their finances,” said Bill Hardekopf at LowCards.com. “A recent report by the Census Bureau shows the percentage of U.S. households carrying any debt dropped from 74 percent in 2000 to 69 percent in 2011.”

Emilie Rusch covers retail and commercial real estate for The Post. A Wisconsin native and Mizzou graduate, she moved to Colorado in 2012. Before that, she worked at a small daily newspaper in South Dakota. It's the one with Mount Rushmore.